BlastPoint's Credit Union Scorecard
FIDELIS
Charter #11380 · NY
FIDELIS has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Loan Growth Rate: Top 2.1% in tier
- + Net Worth Ratio: Top 2.2% in tier
Key Concerns
Areas that may need attention
- - ROA 0.38% below tier average
- - Average Member Relationship (AMR): Bottom 2.6% in tier
- - Fee Income Per Member: Bottom 3.0% in tier
- - Total Deposits: Bottom 3.5% in tier
- - Total Assets: Bottom 3.9% in tier
- - Loan-to-Member Ratio (LMR): Bottom 4.9% in tier
- - Total Loans: Bottom 5.0% in tier
- - Total Members: Bottom 9.0% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 176 that size in New York.
- Shares and deposits +5.5% year over year ($438K in shares and deposits).
- Membership: 337 members, +3.1% vs a year ago.
- Delinquency rate 1.17%.
- Return on assets 1.11%.
- Efficiency ratio 71.07% vs a 88.77% peer average.
- Loan-to-share ratio 61.09% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
337
+3.1% YoY+0.3% QoQ
|
-2.2K |
2,585
-1.7% YoY
|
27,051
+5.9% YoY
|
34,678
+6.6% YoY
|
Bottom 9.0% in tier |
| Assets |
$725,719
-1.4% YoY-0.0% QoQ
|
$-29.6M |
$30.3M
+1.5% YoY
|
$505.5M
+8.1% YoY
|
$593.1M
+10.2% YoY
|
Bottom 3.9% in tier |
| Loans |
$267,612
+27.6% YoY+18.3% QoQ
|
$-15.2M |
$15.5M
-1.7% YoY
|
$338.7M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
Bottom 5.0% in tier |
| Deposits |
$438,089
+5.5% YoY-0.6% QoQ
|
$-25.4M |
$25.8M
+1.1% YoY
|
$431.4M
+8.2% YoY
|
$504.8M
+10.3% YoY
|
Bottom 3.4% in tier |
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| ROA |
1.1%
-89.3% YoY-55.4% QoQ
|
-0.4% |
1.5%
+241.5% YoY
|
1.2%
+60.1% YoY
|
1.2%
+121.4% YoY
|
65% |
| NIM |
3.8%
-72.9% YoY-26.8% QoQ
|
-0.1% |
3.9%
+0.9% YoY
|
3.6%
-0.3% YoY
|
3.8%
+2.3% YoY
|
48% |
| Efficiency Ratio |
71.1%
+146.1% YoY+35.2% QoQ
|
-17.7% |
88.8%
-6.9% YoY
|
80.5%
+0.8% YoY
|
83.0%
-5.3% YoY
|
28% |
| Delinquency Rate |
1.2%
-25.3% YoY+49.8% QoQ
|
-0.4 |
1.5%
+2.1% YoY
|
1.7%
-18.0% YoY
|
1.3%
+2.6% YoY
|
65% |
| Loan To Share |
61.1%
+20.9% YoY+19.0% QoQ
|
+2.2% |
58.9%
-3.1% YoY
|
59.8%
-1.2% YoY
|
66.4%
-1.4% YoY
|
54% |
| AMR |
$2,094
+9.5% YoY+5.5% QoQ
|
$-13K |
$14,963
-6.8% YoY
|
$19,620
+2.7% YoY
|
$20,028
-0.9% YoY
|
Bottom 2.6% in tier |
| CD Concentration | 0.0% | -24.6% | 24.6% | 16.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 2.7% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)